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Programs that offer early wage access or pay advance benefits should be regulated as loans subject to state and federal law (see also 

Policymakers should limit refinancing of consumers loans.

Regulators should provide robust oversight to ensure compliance with federal, state, and local consumer protection laws.

All levels of government should protect consumers against unfair debt collection practices.

Governments should avoid enacting laws that are inconsistent with U.S. Supreme Court precedent on takings.

A variety of criteria should be used when evaluating proposals to stimulate the economy: 

Relief packages for people facing hardships due to economic downturns should be temporary and well-targeted. Preference should be given to measures that also would stimulate economic activity. 

The debate over immigration to the U.S.

Policymakers should use effective, evidence-based assessment models to identify at-risk drivers of all ages. They should receive counseling or referrals, and appropriate action should be taken.

Federal legislation should provide a minimum level of consumer protections. It should preserve states’ ability to provide additional protections to consumers.